MINI Cooper Insurance Rates [How to Find Cheap Rates]

MINI Cooper auto insurance rates average at $106 a month. Compare rates with this guide so you can find the cheapest MINI Cooper auto insurance quotes in your area. Remember that the age of your vehicle and your age will influence you MINI Cooper car insurance costs.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 17, 2020

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Key takeaways:

  • Full coverage costs around $1,276 a year or $106 each month
  • A liability-only policy costs around $511 a year or $43 each month
  • Highest rates are for teenage drivers at around $4,664 a year or $389 each month
  • Good drivers can save as much as $526 a year by earning policy discounts
  • MINI Cooper insurance costs around $243 less per year than the average vehicle

MINI Cooper insurance rates are about $243 less per year than the average vehicle, with full coverage for your MINI costing about $1,276 a year or $106 a month. Older MINIs may get away with liability-only coverage, which averages $511 a year or $43 a month. Good drivers can save up to $526 a year with eligible discounts. Let’s look at MINI Cooper insurance rates, safety features, and more.

You can start comparing quotes for MINI Cooper car insurance rates from some of the best car insurance companies by using our free online tool now.

MINI Cooper Insurance Cost

The average MINI Cooper auto insurance rates are $1,276 a year or $106 a month.

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Are MINI Coopers Expensive to Insure?

The chart below details how MINI Cooper insurance rates compare to other luxury cars like the Audi A6, Acura TLX, and Audi S8.

Vehicle Comprehensive Collision Liability Total
Audi A6 $382 $744 $398 $1,682
Acura TLX $332 $686 $398 $1,574
Audi S8 $658 $1,368 $398 $2,582
Audi S6 $444 $894 $398 $1,894
Audi S7 $532 $1,250 $398 $2,338
Lexus ES 350 $362 $656 $316 $1,470
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However, there are a few things you can do to find the cheapest MINI insurance rates online.

What Impacts the Cost of MINI Cooper Insurance?

The MINI Cooper trim and model you choose can impact the total price you will pay for MINI Cooper insurance coverage.

Age of the Vehicle

The average MINI Cooper auto insurance rates are higher for newer models. For example, auto insurance rates for a 2016 MINI Cooper cost $1,276, while 2010 MINI Cooper rates are $1,064, a difference of $212.

Model Year Comprehensive Collision Liability Total
2016 MINI Cooper $274 $502 $364 $1,276
2015 MINI Cooper $260 $484 $376 $1,256
2014 MINI Cooper $250 $450 $384 $1,220
2013 MINI Cooper $240 $424 $388 $1,188
2012 MINI Cooper $230 $380 $390 $1,136
2011 MINI Cooper $214 $350 $390 $1,090
2010 MINI Cooper $206 $328 $394 $1,064
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Driver Age

Driver age can have a significant effect on the cost of MINI Cooper car insurance. For example, a 20-year-old driver could pay around $130 more each month for their MINI Cooper car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on MINI Cooper insurance rates. For example, drivers in Jacksonville may pay $765 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of MINI Cooper auto insurance. Teens and drivers in their 20’s see the highest jump in their MINI Cooper auto insurance rates with violations on their driving record.

MINI Cooper Safety Ratings

Your MINI Cooper car insurance rates are tied to the safety ratings of the MINI Cooper. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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MINI Cooper Crash Test Ratings

Good MINI Cooper crash test ratings can lower your MINI Cooper auto insurance rates. See MINI Cooper crash test results below:

Vehicle Tested Overall Frontal Side Rollover
MINI Cooper 4 4 4 4
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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MINI Cooper Safety Features

The more safety features you have on your MINI Cooper, the more likely it is that you can earn a discount. The MINI Cooper’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Traction Control
  • Auto-Leveling Headlights

MINI Cooper Finance and Insurance Cost

If you are financing a MINI Cooper, most lenders will require your carry higher MINI Cooper coverages including comprehensive coverage, so be sure to compare MINI Cooper car insurance rates from the best companies using our FREE tool below.

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Ways to Save on MINI Cooper Insurance

You can save more money on your MINI Cooper auto insurance rates by employing any of the following five strategies.

  • Buy An Older MINI Cooper
  • Ask About Student Discounts
  • Ask About Loyalty Discounts
  • Reduce Modifications on Your MINI Cooper
  • Ask About Farm and Ranch Vehicle Discounts

Top MINI Cooper Insurance Companies

Who is the best company for MINI Cooper insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Cooper insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the MINI Cooper offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free MINI Cooper Insurance Quotes Online

You can start comparing quotes for MINI Cooper insurance from some of the top car insurance companies by using our free online tool today.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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